Valuations
and Risk Assessment

Revolutionising Property Valuation with Automated Models!

Since 2006, Lightstone has been at the forefront of introducing automated valuation models to the South African mortgage market. Our cutting-edge models are designed to estimate property values accurately within the residential property sector.

Built on global best practices, our proprietary property databases are widely utilised in the local banking and real estate sectors. Our flagship AVM leads the market, with five out of six major mortgage lenders in South Africa incorporating our AVM into their lending procedures.

Introducing the AIVM: A Breakthrough in Property Valuation

In 2019, we launched the AIVM, a groundbreaking model that harnesses artificial intelligence (AI) and machine learning (ML) to deliver even more precise property valuations. This innovative model offers top-tier solutions to prominent banking and insurance firms.

Streamlining Valuation Processes with EzVal Platform!

Leveraging our expertise in Automated Valuation Models (AVM) within bank lending, we introduce EzVal, our tailored valuation platform. EzVal offers a comprehensive solution for managing your valuation process from start to finish.

With a customisable rules engine, you can optimize allocation to specific valuation types - automated, desktop, or physical.

Utilising advanced routing methodologies, EzVal ensures swift and accurate routing of desktop and physical valuations. Valuers benefit from pre-populated valuation templates, enhancing efficiency and ease in their tasks. Supported by our extensive property database, EzVal plays a key role in reducing turnaround times in the mortgage lending journey.

Harness the Power of Geocoding for Enhanced Location Insights!

Unlocking your business's location intelligence begins with geocoding your data.

With Lightstone's innovative geocoder, powered by Deeds and address dictionary, we transform your customer data, asset information, and performance data into valuable location insights.

Efficient Bulk Portfolio Valuation Services for Your Business Needs!

Individually valuing each asset in your portfolio can be costly and time-intensive. Lightstone offers a solution with fast, precise, and regular mass valuation services, tailored to various industries and based on multiple methodologies.

We specialise in updating property valuations for a range of purposes, including:

• Meeting bank capital requirements (Basel)
• Calculating provisions and free equity
• Updating insurance values
• Analysing portfolio performance
• Municipal valuations

Enhancing Risk Understanding with Lightstone's Metrics!

Lightstone offers specialised metrics to enhance your insight into asset risk based on location and specific characteristics.

Our analysis combines various factors, including property price trends, distressed sale values, area credit scores, market dynamics, and property turnover rates. These factors contribute to the creation of dependable credit risk metrics that can enrich your lending decision-making processes.

Banking clients utilise these metrics to differentiate Loan to Value (LTV) and determine mortgage loan pricing based on property risk profiles.

Assisting Insurers with Comprehensive Risk Insights!

Lightstone offers a wide array of insurance-related datasets, unique indices, and metrics to support insurers in their underwriting and pricing decisions for property risk exposures.

This includes providing Replacement Cost Valuations (RCV) for residential properties and offering risk indices for various perils like flooding, lightning, hail, fire, subsidence, earthquakes, and crime.